Benefits of the Dual Card

The AA Dual Credit Card is not only great for everyday use, it also offers interest free periods to help you spread the cost of large purchases and save money by transferring balances from existing credit or store cards.

0% on balance transfers

for 20 months on balance transfers made in the first 3 months, you'll pay a balance transfer fee of 2.98% which will increase the total amount you owe.

0% on purchases

for 20 months on purchases from the date your account is opened

plus

A special card holder offer of 40% discount on AA European Breakdown cover, on trips of 3 days or more*

Find out more about the AA Dual Credit Card

Find out more

What's more, the Dual Card also offers …

  • no annual fee
  • contactless payments
  • add up to three additional card holders once your application has been accepted
  • additional card security when you shop online with MasterCard® SecureCode™
Balance transfer calculator

As a new customer, by transferring your current balance to an you could save

£ 0

in interest over the 0% period. The saving includes the handling fee.

Please note that a balance transfer onto the Dual Card will include a 2.98% fee which will be added to the total balance outstanding.

This calculator gives estimated savings only, for illustrative purposes. Your existing balance may be made up of amounts attracting different rates. Savings shown can only be calculated on the rate you provide and on the balance transferred, assuming that minimum repayments are made in line with the AA Credit Card terms and conditions.

Important information:

  • Your personal APR will be dependent on your personal circumstances.
  • Don't forget to pay on time each month and stay within your credit limit to keep your promotional rates.
  • When the promotional offer ends any outstanding amount will be charged interest at your standard variable rate.
  • Until you repay your entire balance in full, any purchases you make will incur interest at your applicable interest rate at that time, from the date of the purchase until the purchase amount is paid in full.
  • If you don't make the minimum monthly payment, or make it late, you will be charged a late payment fee of £12. You will also be charged £12 if you either exceed your credit limit or have a returned payment.
  • For all transactions in a foreign currency – whether abroad, online, or over the phone – you'll be charged a non–sterling transaction fee of 2.99%, and if you also make cash advances using your AA Credit Card you'll be charged a 2.99% handling fee, subject to a minimum of £3.
  • All additional card holders share your credit limit and you will be responsible for all balances.

Please read the charges and summary box and terms and conditions before applying.

Apply online for an AA Dual Credit Card

Apply now

Got more than one card to transfer a balance? Try our multi card calculator.


* Your AA European Breakdown Cover must be purchased on your AA Dual Credit Card by 1st October 2015, cover can be purchased up to a year in advance. Cardholders will be sent redemption instructions. Cars, light vans, campervans, motor caravans, and minibuses can be covered with no vehicle age limit however weight restrictions may apply – please call 0800 085 7253 for more information.

0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.
0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.

What you need to know about AA Credit Cards

Applying for an AA Credit Card

Can I apply for an AA Credit Card if I am under 18?

No, you have to be aged 18 or older to apply for an AA Credit Card.

Can I apply for an AA Credit Card if I live in the Channel Islands or the Isle Of Man?

No, only residents of England, Scotland, Wales and Northern Ireland can apply.

Will a credit check be made?

Yes, a credit check will be completed to ensure that the AA Credit Card you've applied for is right for you. This may impact your ability to get credit in the short term.

How will I know my credit limit?

If your application is successful, confirmation of your credit limit will be posted with your AA Credit Card. If you have applied online and received an instant approval, you'll see confirmation of your credit limit on-screen. If you have applied via phone and received an instant approval, you'll be advised of your credit limit over the phone.

Who do I contact if I do not receive my card within seven days?

Please get in touch with customer services by calling 0345 600 5606 immediately.

How can I make a balance transfer?

You can request a balance transfer when completing an AA Credit Card online application. You will need the card number of the account you wish to transfer the funds from, and the amount to be transferred. As your AA Credit Card is provided by Bank of Ireland UK, you cannot transfer balances from any other credit card you hold that is provided by Bank of Ireland UK.

If you already hold an AA Credit Card and wish to make a balance transfer, call us on 0345 600 5606 and we can do this for you. You will need the card information as above. To benefit from the 0% interest period, this must be done within the first three months of taking out the credit card.

Note the minimum amount you can request to transfer is £100, and the maximum amount will depend on your credit limit. It may take between two and three weeks to process your application. During this time you will need to continue making payments to your original credit card until you receive confirmation that the transfer has been successful.

Where can I find more information on the AA Credit Card?

If, for any reason, you feel you don't fully understand the AA Credit Card or the commitment you will enter into by applying for one, it is advisable to take further time to consider your application or to discuss it with a family member or friend. If you have any further questions about the AA Credit Card or require an explanation of any of the information provided, please call us on 0800 032 2004, and we can answer any questions you may have that could help you with your decision.

If my application is declined, how can I appeal the decision?

If your application is declined and you would like to appeal our decision, call our customer services on 0345 600 5606. You may be asked to provide additional information to support your appeal, but there is no guarantee that this will change our original decision.

What is a Contactless payment?

Contactless is a fast, easy and secure way to pay for goods and services under £20 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

What is the Lending Code?

The Lending Code sets standards of good lending practice which Bank of Ireland subscribes to. It provides valuable protection for you as a consumer and explains how financial institutions should deal with you day-to-day and in times of financial difficulty.

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Security

What do I do if my card is lost or stolen?

If you suspect that your AA Credit Card has been lost or stolen, or that someone else knows your PIN, please call us on 0345 600 5606 immediately.

When will I receive my PIN?

When you receive your AA Credit Card, make sure to sign the back of your card immediately. Your PIN will be sent to you after you receive your card. When you receive your PIN, memorise it and destroy any record of it. You should never tell anyone your PIN.

Can I change my PIN?

Yes, you can change your PIN at most MasterCard branded cash machines, but you'll need to know your existing PIN. If you've forgotten your PIN, call us on 0345 600 5606 and we will post you a new PIN.

What should I do if my PIN is locked, or I forget my PIN?

You always have three chances to enter your PIN correctly when you're trying to pay using your AA Credit Card. If you enter it incorrectly three times in a row, your PIN will be locked and you'll need to call us on 0345 600 5606 so we can post a new one. If you forget your PIN, again call us and we'll post a new one to you.

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Servicing your account

How can I manage my account?

Use your smartphone to manage your card on the go. The AA Credit Card servicing app is free to download and is available in iOS and Android from the dedicated app stores. Alternatively you can manage your account through the AA Credit Card Telephone Banking service on 0345 600 5606.

How can I make payments to my credit card?

You can make payments to your AA Credit Card by setting up a Direct Debit. You can set this up when you are applying online for your AA Credit Card, through the AA Credit Card mobile app, or by calling us on 0345 600 5606.

You can also make an instant and secure payment using the AA Credit Card mobile app; you'll need the debit card details of the account you want to make the payment from.

You can also pay by phone, or by using your internet banking if your current bank or building society provides this.

How can I cancel my Direct Debit?

If you wish to cancel the Direct Debit to your AA Credit Card, you will need to contact your bank or building society directly.

How often will I receive a statement?

You will receive a statement every month, unless there are no transactions and you do not owe anything.

What can I do if I am having difficulty paying?

If you do feel you are getting into financial difficulty, it's important that you contact us on 0800 917 9157 as soon as possible so we can help. You can also find information on where to get financial advice in our Managing your finances information.

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Using your card abroad

Will I get charged for spending abroad?

If you use your AA Credit Card to pay for non-sterling transactions while you are abroad, or when you make purchases made in foreign currencies online or over the phone, a 2.99% non-sterling transaction fee will be added to the sterling value.

When you use your card overseas, your payment will be converted into sterling at the rate determined by the current MasterCard exchange rate at https://www.mastercard.com/global/currencyconversion/index.html.

Will I get charged for cash advances?

When you withdraw cash advances abroad using your AA Credit Card, you will be charged 2.99% of your withdrawal or £3, whichever is greater. This is in addition to the non-sterling transaction fee.

If you withdraw cash abroad you wil be charged interest even if the account is paid off in full.

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Online fraud prevention

What is MasterCard SecureCode?

MasterCard® SecureCode is a fraud prevention service to protect your credit card details when purchasing goods and services online from any retailer participating in the service.

How does MasterCard SecureCode work?

Once you've registered and created your own private SecureCode, you will be automatically prompted by your financial institution at the checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

What is the Card Security Code (CVC2)?

The Card Security Code (CVC2) is the last three digits that appear on the back of your card, on the signature panel. It is used as an extra security measure to make sure you are in the possession of the card you are using.

What if I have problems during the activation process?

If you have any queries during the activation process please call customer services on 0345 600 5606.

Can I purchase at online retailers that do not participate in the MasterCard SecureCode service?

You can still use your cards with retailers that do not participate in the MasterCard SecureCode service, simply follow the normal payment process.

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0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.
0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.

Using your credit card abroad

For purchases in a foreign currency you will be charged a fee of 2.99%, including when you're shopping online or over the phone in the UK.

If you use your credit card to get cash advances, you will be charged an additional cash fee of 2.99% and a higher interest rate of 27.9%. If you use an ATM, the provider may also apply additional fees and cash withdrawal limits. There is no interest free period on cash withdrawals made abroad.

The table below is an illustrative example based on a euro exchange rate of 1.391840 and a €100 spend.

Overseas transaction Purchase Cash advance
Euros €100 €100
Exchange rate 1.391840 1.391840
Sterling amount £71.85 £71.85
Non-sterling transaction fee 2.99% 2.99%
Cash fee subject to a £3 minimum charge n/a 2.99%
Total £74.00 £77.00

(Information correct at 1 June 2015)

The exchange rate used is a sample rate provided by MasterCard. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard from time to time, as shown, where applicable, on your statement.

Check MasterCard exchange rates at mastercard.com/global/currencyconversion.

The rate on your statement will be calculated according to the rate at the time the transaction is posted to your Account.

The AA also offers a travel currency card. This is a prepaid card that does not charge an overseas transaction fee when making purchases abroad. You may also want to see our range of travel insurance.


0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.
0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.

Managing your finances

If you are struggling to make your payments you must call Customer Services right away on 0345 600 5606. By taking immediate action steps may be taken to work with you to help resolve the situation.

Useful contacts

The following teams and organisations offer useful advice about debt management. They will be able to help with any questions and suggest a suitable course of action.

Citizens Advice Bureau

The Citizens Advice Bureau can help you sort out money, legal or other problems by providing free advice and information. You'll find your nearest Citizens Advice office listed in the phone book.

Or visit www.citizensadvice.org.uk.

Money Advice Service

The Money Advice Service is set up by government and offers free and impartial money advice. Telephone 0300 500 5000, or visit www.moneyadviceservice.org.uk.

StepChange Debt Charity

This is a registered charity providing free, independent and realistic debt management advice. Telephone 0800 138 1111. Or visit www.stepchange.org.

Debt Line

This is a free helpline for people with debt problems. Telephone 0808 808 4000. Or visit www.nationaldebtline.co.uk.

AdviceUK

Although not an actual debt management charity (DMC), this is the largest UK network of advice organisations. They do not give advice themselves, but they have contact details listed for most DMCs and other organisations that can help with debt problems. Telephone 0300 777 0107. Or visit www.adviceuk.org.uk.


0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.
0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.


Representative example

 

19.9% APR

Representative (variable)


19.9% p.a.

Purchase rate (variable)


£1,200

Assumed credit limit

Apply by phone

 

0800 032 2004

 

Mon - Fri 8am to 10pm,
Sat 8am to 6pm,
Sun & bank holidays 10am to 5pm.


Apply online